How Much Dental Implants Cost Without Insurance
Dental implant surgery can offer significant pain relief and improve the appearance of your smile. It’s no secret that this type of procedure can be costly, even if you have medical insurance.
To help you plan your dental financing, we’ve put together a quick guide to implant procedures. Read on to find out how much this type of surgery may cost you and what factors to consider when choosing the dental loan that best suits your needs.
Types Of Implants And Techniques
The average cost of tooth implantation surgery in the US ranges between $3,000 and $4,500. Several factors influence the actual amount you’re likely to pay.
The specific type of treatment you require will determine how many visits you’ll need to pay to your dentist’s office, how long the overall process will take, and ultimately how much it’ll cost you.
The following types of dental surgeries may be suitable for your condition:
- Endosteal implants. This type of surgery is by far the most common medical solution for patients with teeth that are missing or need to be removed. These screw-shaped tooth root replacements will be inserted directly into your jawbone and are typically made of lightweight titanium
- Subperiosteal implants. These are ideal for patients whose jawbones aren’t sufficiently strong to support new tooth roots (or those who have bone thinning and erosion). Unlike endosteal implants, small devices are placed under the gums, either directly on or just above the jawbone. The exact configuration will be decided by your dental surgeon, depending on the specific state of your jawbone
- Jawbone rebuilding. Also known as bone augmentation, this treatment involves the use of additives and growth factors that encourage the jawbone to grow stronger before implantation is attempted
- Sinus lifts and ridge expansions. These procedures create more space for tooth root replacements to be attached through. Such surgical techniques heighten and widen the back of the jaw. Patients who have missing molars are especially likely to benefit from a sinus lift
As part of the procedures listed above, you may need to undergo a variety of preparatory treatments, scans, and other dental therapies that’ll maximize your chances of a successful implant. These may include:
- A pre-surgery consultation. Before your dentist agrees to proceed with a major surgery like implants, you’ll need a comprehensive examination. You’ll be informed about the details of your condition as well as the range of surgical options you have to choose from
- Panoramic X-ray. This diagnostic tool is used by your dentist to determine exactly how much healthy jawbone is available for use in the procedure and what the condition of your teeth, mouth, and jaw is like before and after surgery
- CT scan. You may need to undergo advanced imaging tests to pinpoint specific conditions affecting your teeth and assess the implantation surgery after it has been performed
- Tooth extraction. Removal of teeth that can’t be repaired using conventional dental treatments will be necessary before your new teeth can be created and inserted
- Bone grafting. You may need to have a small piece of bone inserted before your root replacements can take hold. This procedure will likely increase in complexity and raise the dental implant’s cost depending on the source of the bone (animal, cadaver, or your bone tissue)
- Crowns, dentures, and bridges. Once your implant is in place, you’ll still need a structure to be created above it to replace your previous tooth. This could take the form of a single crown, a denture, or a bridge, which your dentist will install once it’s been fabricated
Price Range For Tooth Implant
The numerous procedures and components that go into the implantation process can result in a significant medical bill. Several dental implants financing options can help you pay for these expenses. It’s always a good strategy to know roughly how much you’ll need to borrow ahead of time.
The table below contains a listing of tooth implantation’s main surgical components and the average cost you should expect to be billed for each one. It’s important to note that the actual costs in your specific case will depend on your condition, your city and state of residence, and the dental professional you choose to work with.
Estimated Average Cost
To assess the patient’s condition and needs. Explain the various surgical options available
$50 - $300
Provides medical insights into the condition of the patient’s jaw and teeth
$100 - $250
In-depth imaging technology that ensures a successful surgery
$150 - $750
Removal of diseased or visually unappealing teeth
$150 - $700
A necessary step for some patients before the implant can be inserted
$200 - $3,000+
Creating and inserting a structure that supports the teeth surrounding the implant
$300 - $600
A synthetic tooth used to replace the one that was removed
$900 - $1,800
The actual procedure of placing the new teeth root in the prepared jawbone
$1,500 - $3,000
A more economical alternative for patients with minimal jawbone damage
$500 - $1,800
“All on 4”
A dental technique that allows multiple replacement teeth to be attached to a single implant
$8,000 - $30,000
Average Cost Per Procedure
$3,000 - $5,000
Cost Per Full Mouth Of Teeth
$25,000 - $80,000
As the table indicates, the total cost of a single implant can run as high as $5,000 while having your entire mouth transformed can cost as much as $80,000.
To assist you in the financial aspects of planning your dental surgery, let’s take a look at the various funding options.
How To Finance Tooth Implants Without Insurance
In light of the significant cost associated with this dental surgery, you’ll need to prepare yourself both medically and financially before going ahead with the treatment you require.
Unfortunately, many health insurers won’t cover more than $1,500 in annual dental care. Some may even classify this type of surgery as cosmetic and not cover it at all.
There are two main types of lending products that may be useful to prospective dental patients: medical credit cards and unsecured personal loans (or dental loans).
- Medical credit cards may only be used to pay for healthcare-related costs. They often come with favorable APRs (depending on your FICO score) and interest-free introductory periods ranging from 12-24 months
- Personal loans are a type of installment credit that let you borrow the amount you need for your surgery and repay it over a fixed number of months. This will ensure that you pay down your debt. It could also result in a better credit score if you make your payments on time each month
Top 5 Medical Loans For Tooth Implants
Several excellent lenders provide their customers with dental implants loans in a variety of amounts and terms. The following medical financing companies offer ideal dental loans for a bad credit customer looking to pay for tooth replacement surgery shortly.
- Upstart. With loan amounts ranging from $1,000 to $50,000 and quick approvals, this lender is ideal for prospective dental patients
- Avant. Offering smaller loans of $2,000 to $35,000 and competitive APRs, Avant is one of the most innovative leaders in the lending market
- Lending Point. This fintech lender provides medical financing to a maximum loan amount of $25,00, which is more than adequate to cover the cost of most implant surgeries
- Care Credit. If you’d prefer the convenience of a medical credit card, you may want to explore this lender’s range of options in more detail
- Freedom Plus. This medical financing provider stands out for its superior customer service and easy to navigate the application process